Bulletin-Winter-2016-6.qxp_Winter 2016 2/5/16 4:48 PM Page 1

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Winter Edition 2016

Official Publication of the Supreme Council of the Royal Arcanum Fraternal Services to Our Members Since 1877 Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 2

A ROYAL GIFT A Message from the Supreme Regent Un Message Du Regent Supreme Carl J Krzystofczyk - Supreme Regent

Dear Brothers and Sisters, Chers frères et sœurs,

Welcome to the Royal Arcanum! It’s always a pleasure "Bienvenue à la Royal Arcanum!" Il est to be able to welcome new members to our society, toujours un plaisir d'être en mesure knowing the wonderful products, sincere friendships and d'accueillir de nouveaux membres à notre société, connaître les humble services our members enjoy. Normally, I only produits merveilleux, des amitiés sincères, humbles et des services have the chance to welcome members on an individual à nos membres apprécient. Normalement, je dois seulement la basis. Today, I’m excited to welcome thousands of new chance d'accueillir les membres sur une base individuelle. members through our merger with the Sons of Poland. Aujourd'hui, je suis heureux d'accueillir milliers de nouveaux For all new members, be sure to take in all the benefits membres grâce à notre fusion avec les Fils de la Pologne. Pour membership offers, many of which are beautifully tous les nouveaux membres, nous vous invitons à prendre dans demonstrated in the following pages. tous les avantages adhésion offres, dont beaucoup sont magnifiquement démontré dans les pages suivantes. Remember your New Year’s resolutions from January? Sometimes we challenge ourselves to start the year Rappelez-vous vos résolutions du Nouvel An de Janvier? Parfois, with a fresh start, but quickly forget and go back to our nous nous mettons au défi de commencer l'année avec un nouveau former ways. This may be a good time to refresh your départ, mais rapidement oublier et revenir à nos anciennes façons. outlook and renew your commitment to make this an Cela peut être un bon moment pour rafraîchir vos perspectives, et exciting year. Why not find time to work with the de renouveler votre engagement à faire de cette année une année underprivileged, make a new friend and bring them to a passionnante. Pourquoi ne pas trouver le temps de travailler avec meeting, or even just reach out with a call or an email les plus démunis, faire un nouvel ami et de les amener à une to someone who, like you, could benefit from all the réunion, ou même juste atteindre avec un appel ou un courriel à Arcanum has to offer. Maybe, make a new resolution to quelqu'un qui, comme vous, pourrait bénéficier de la toute l'Arcane make use of one or more of our benefits and then a à offrir. Peut-être faire une nouvelle résolution de faire usage write us about it. One step at a time, we can all grow d'une ou plusieurs de nos avantages, puis écrivez-nous à ce sujet. our society stronger! Une étape à la fois, nous pouvons tous croître notre société plus forte! Yours in V. M. C. Bien à vous en V. M. C.,

, Carl J Krzystofczyk Supreme Regent Carl J Krzystofczyk Suprême Regent

Drodzy Bracia i Siostry, sprawdzenia naszej strony internetowej i dowiedzieć się co oferujemy i jak szeroko pomagamy naszym członkom i Witamy w Royal Arcanum ! Jest nam ogromnie miło ludziom pokrzywdzonym przez los. przywitać tysiące nowych członków Stowarzyszenia Synów Zależy nam bardzo na bliskiej współpracy ! Polski, którzy dołączyli do naszej organizacji za pośrednictwem połączenia. Jako organizacja bratniej pomocy, zapewniamy państwa, że Royal Arcanum oferuje dużo Wasz V.M.C. produktów i usług o których można przeczytać w naszym biuletynie i z których nasi członkowie korzystają. Z początkiem nowego roku warto aby rozejrzeć się wokół siebie, odnowić swoje zaangażowanie lub poświęcić swój czas Carl J Krzystofczyk na pracę z ludźmi/dziećmi upośledzonymi lub tymi, którzy Najwyższy Regent. potrzebują szczególnej pomocy. Zapraszamy państwa do Bulletin-Winter-2016-6.qxp_Winter 2016 2/5/16 4:49 PM Page 3 In This Issue

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ROY TRAVELS TO BOCCE BULLETIN COMMITTEE Cynthia A. Macon, Chairman PAGE 4 Carl J. Krzystofczyk Kenneth J. Kolek INTEGRITY COUNCIL

EXECUTIVE COMMITTEE PAGE 5 James E. O’Neill, Chairman San Jose Fraternal Carl J. Krzystofczyk Projects Errica Conforto Page 6 VERSATILITY FRATERNALISM Deborah L. Young Peter D. Ferrara PAGE 7 Kenneth J. Kolek Cynthia A. Macon CAROLINAS FRATERNAL PROJECT Janice S. Brazas Thomas Bayliss PAGE 9 EDITOR CORONATION COUNCIL Patrick Fitzgerald Medora Council Page 11 ASSOCIATE EDITOR PAGE 10 Dotti Pagnani PAWTUCKET COUNCIL CELEBRATES EDITING STAFF Frances Magnotta PAGE 12 EDITORIAL OFFICE 61 Batterymarch St. ‘A ROYAL GIFT’ IN , MA 02110-3208 PAGE 13 The Balancing Act Toll Free 1-888-ARCANUM (272-2686) Page 19 E-Mail: ALW SCHOLARSHIP INFORMATION@ ROYALARCANUM.COM PAGE 14 Official publication (Publication number USPS 472-260) of the Supreme Council of the Royal CHRISTMAS COUNCIL NEWS Arcanum, 61 Batterymarch Street, Boston, MA 02110-3208. Published PAGES 22 - 25 quarterly. Periodicals postage paid at Boston, MA 02110 and additional JUNIOR PUZZLES AND GAMES mailing offices. Subscription terms: Scan Our QR Code to one dollar per year. Printed in the Visit Our Website U.S.A. PAGES 27 - 29

Postmaster: In the event magazine is undeliverable, please send Form 3579 Harrisburg Council: Our 102 year young Cover Caption addressed to Royal Arcanum, 61 Lillie Herbst, Jim Herbst and Secretary, Batterymarch St., Boston, MA 02110- Paulina Thomas. 3208.

Volume 116 Number 1 Articles and photos must be in the editorial office by January, February, March 2016 Bulletin March 28, 2016. Mail to the Royal Arcanum Bulletin, Deadline Home Office, 61 Batterymarch Street, Boston, MA 02110-3208. Next Publication Date: May 4, 2016 www. royalarcanum. com - Bulletin - Winter Edition - 2016 3 Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 4

NEW YORK GRAND COUNCIL HITS BROADWAY

A TRIP TO WESTCHESTER entertained by the music and BROADWAY THEATRE dance of Ginger Rogers' life from age 15 to her Academy Award win On August 23, 2015, the members of the NY Grand in 1941. All in all, it was a fun day Council enjoyed lunch and show at the Westchester with food, music and dance. Broadway Theatre in Elmsford. Thirty-one members attended the event which was in part sponsored by Submitted by Diana Chiechi Claremont Cl #1655. The members were

ROY TRAVELS TO A BOCCE GAME

Giovanna Pedrelli, Lilia Juarez and Lole Chiesa, members of Medora Council in Chicago, were in St. Louis, Missouri for the annual De La Croce Bocce Tournament on Nov. 7 – 9 with their friend, the Royal Arcanum Teddy Bear who watched the team play bocce. The team took fifth place out of 14 women's teams.

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NY GRAND COUNCIL THANKSGIVING DONATION

Members of the N.Y. Grand Council made their On November 30th, members made a second trip to annual Thanksgiving donation to the Bishop donate bags of clothing, shoes, two baby cribs and a Pernicone Center at 187th Street in the Bronx on highchair. Accompanying the officers was our Junior November 19th. Father Jonathan Morris and Sister member, Logan Orr who was with his grandparents. Edna were very happy and thankful for the large donation. The members were also accompanied by Roy Al.

Joe Conforto, Maria DiBartolo, Augie Joe Conforto, Maria DiBartolo, Errica Conforto, Sister Edna, Father and Fran Magnotta, Errica Conforto, Jonathan, Fran and Augie Magnotta and Freddy DiBartolo along holding Logan Orr, Sister Edna and a with two members of the staff. member of the staff. INTEGRITY COUNCIL

INTERNATIONAL Joe Tedesco FRATERNAL SERVICE with Anthony, PROJECT the chef from St. John's Hospice and Joe and Joan Tedesco took a Joan Tedesco. donation from Integrity Council and doubled it. They provided pies to St. John’s Hospice and to the Sunday Breakfast Mission.

Submitted by Joe Tedesco

Joe Tedesco and a representative from Joe getting ready to serve the Joe and a representative from Sunday Breakfast Mission loading the pies. Sunday Breakfast Mission. pies onto the truck. www. royalarcanum. com - Bulletin - Winter Edition - 2016 5 Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 6

SAN JOSE FRATERNAL PROJECTS

San Jose Council #2384 sent 42 pounds of candy year the members added pet food to their list, as the through ‘Operation Gratitude’ to the U.S. Troops, Sisters have two German Shepherd dogs at the Veterans, New Recruits, Wounded Warriors and monastery. The members trekked to St. Martin of Military Children in time for Halloween. In pre- Tours Parish with a donation of clothing items for paration for Thanksgiving, the council made a $200 the six senior residence homes which are part of the donation to Second Harvest Food Bank of Santa church’s ministry to the elderly. New toys, books, Clara and San Mateo Counties to aid with meal plush animals, and games were delivered to Lucille preparations for the poor. The members prepared Packard Children’s Hospital and Sacred Heart 60 care kits, filled with health essentials, hand- Community Center to make the holidays brighter for warmers, socks, and snacks which would be the children. The council was happy to send gifts to distributed to homeless. Jacob Goeders, ‘The Leukemia Slayer’ in support of his efforts to provide gifts for hospitalized children. The San Jose Council shoppers also went on a spree to purchase $400 of food staples for the Cloistered Submitted by Joanie Francis and Jim O’Neill Carmelite Nuns, an annual council tradition. This

Santa and his staff of Sacred Heart Joanie Francis with new Community Center elves ready to council member Christina deliver the toys. Saccomano [c] and Toinette Jim O’Neill and Joanie Francis Fanelli. delivering the warm clothing to two of St. Martin’s staff members.

Joanie Francis presenting donation to HR Generalist/Office San Jose members shopping Manager, Tim Beggs for the Carmelite Nuns. of Second Harvest Council members with the toys that were Food Bank. donated to the Sacred Heart Community Center. 6 Bulletin - Winter Edition - 2016 www. royalarcanum. com Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 7

VERSATILITY’S FRATERNALISTS IN ACTION

Fraternal Honors: Fraternalist of the Year Evelyn Magarban received congratulations and appreciation from Sisters Benedette and Rose Marie of the Felician School for Exceptional Children. The school was the recipient of the Ready to March: Bayonne Arcanians joined Contingent honorarium made in Evelyn’s name by the Marshal Evelyn Magarban and Miss Polonia Alyssa Dworzanski American Fraternal Alliance. for the 78th Annual Pulaski Parade in Manhattan in October.

Honored at Bayonne City Hall: Past Regent Evelyn Magarban and granddaughter Julianna Pagan, Versatility Junior Arcanian, were welcomed at Bayonne City Hall in celebration of Support for Mission: Versatility Council Polish American provided donations of new men’s outerwear Heritage and in and winter clothing to the Franciscan Friars’ recognition of project for men in need in Bergen County. Poland’s General Members and friends supported the effort, Casimir Pulaski adding to the council’s contribution with who became sweaters, hats, gloves, socks, underwear, and Father of the healthcare essentials. Shown in photo are Gen American Macon, Julianna Pagan and Evelyn Magarban Cavalry. with Kasia, a program volunteer in Lodi.

A SIMPLE FAVOR

A man taking a walk one day noticed a After watching the boy’s efforts for a minute, the small boy trying to use the doorbell man crossed the street to help. “Hello there,” he on a house across the street. The said, ringing the bell. “What do we do now?” boy was very short, and the doorbell was too high for him to reach. The boy looked up at him. “Run!”

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DOINGS IN MI GRAND COUNCIL/DETROIT COUNCIL 21A

On October 17, Detroit 2015 the Council 21 Grand Council and Regent, Eric Grand Regent Keith Kimmel. Eric Armbruster hosted invited Tom our RA Supreme and Carol Regent Visit and Boucher from Dinner. Supreme St. Vincent’s Regent, Carl DePaul Krzystofczyk and his Society. Tom wife, Christine, made gave a short the drive in from presentation The Leaders were well represented - Chicago. What they on how the Detroit Council 21 Regent Eric Kimmel, MI Grand Regent Keith Armbruster, did not realize was canned Supreme Regent Carl Krzystofczyk and that every year on goods are his wife, Christine, Deputy Supreme Supreme Regent Carl one Saturday in used and Regent Mark Hefner and Royal Arcanum Krzystofczyk introducing Roy October the state of some insight Board Member Jan Brazas. Al to everyone! Michigan is divided, on the due to the Michigan/ society. MI Grand Council presented to Tom Michigan State Boucher a large table full of canned goods and a cash football game. You are either Blue (MI) or Green (MI donation, as well. Even though Michigan fans were ST), there is no in between! To ensure folks would sad, everyone enjoyed the evening. attend, we had a TV in the banquet hall, with the game going on in the background! The game was so At our December Bowling we held our annual close and Michigan lost on the final play. We even Christmas Party. We did a Lottery Instant Ticket held off Supreme Regent Carl’s presentation until exchange, which everyone enjoyed, along with good after the game! There were 47 in attendance which food! included our members from Windsor. Everyone enjoyed the wonderful buffet dinner and the We look forward to seeing everyone at the Royal Supreme Regent’s door prizes. The main focus for Arcanum Session in July in Orlando, Florida! the evening was our canned goods fundraiser for St. Vincent’s DePaul Society. This society is a favorite of Fraternally – Jan Brazas, MI Grand Council Reporter

Jan Brazas, Mark Hefner, Keith Armbruster, Carl Krzystofczyk and Eric Kimmel presenting Visiting with Carol and Tom Boucher from St. Vincent Tom Boucher of St. Vincent De Paul Society with a De Paul Society are Christine and Carl Krzystofczyk, cash donation. Eric Kimmel and Mark Hefner. 8 Bulletin - Winter Edition - 2016 www. royalarcanum. com Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 9

SUPREME REGENT PRESENTS IN

Joe Tedesco and the members of Pennsylvania informed the Grand Regent that Roy is to welcomed Supreme Regent Carl Krzystofczyk and his accompany him on all of his travels as a good will wife Chris, Supreme Vice Regent Errica Conforto and ambassador. Also in attendance were Past Supreme her husband Joe to their jurisdiction. Thirty Regents Herb Snyder and Pete Ferrara. members and guests were present at the meeting. Brother Carl presented Grand Regent Jay Newlin Submitted by Joe Tedesco with the new RA Mascot, Roy Al Arcanum. He

Left to right, Chris and Carl Krzystofczyk, Errica Left to right, Peter Ferrara, Errica Conforto, Carl Conforto, Joe Tedesco and Joe Conforto. Krzystofczyk and Herb Snyder.

PA members and guests ready to feed the homeless. CAROLINAS FRATERNAL PROJECT

Grand Regent Harley Sampson, surrounded from left to right by Lucy Lance, Judy Sampson, CD Merrill, Joe, Jane and Holly Merrill with a small sampling of the 150 plus coats collected by our group for the annual “Coats for the Cold” Drive. These coats were given to the Western Carolina Rescue Ministry in support of their 1,000 Plus Coat Program. The program provides warm outerwear to people in need during the cold winter months in the Carolina Mountains. Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 10

CORONATION COUNCIL

On September 19th and 20th, Coronation We gave away all the cloth bags containing Council members volunteered in promoting brochures and pens and the children’s gifts that the Royal Arcanum at the 21st Annual were sent to us from the home office. We also

V.M.C. Children’s Fest. 1105 gave away 350 balloons that were imprinted with Royal Arcanum’s logo.

Tom Bayliss, Lauzon, Gloria Donaldson Morgan Young, Tom Bayliss and Jim Boufford. and Jim Boufford.

BAYONNE COUNCIL’S COMMUNITY SUPPORT

Gift for Veterans: Bayonne Council #695 presented a $500 donation to the Bayonne Veterans’ Museum as part of its International Fraternal Service Project for 2015. Participating in the program were Jackie George, Museum Coordinator; Supreme Auditor Joseph R. Macon, FICF; Glen Flora, Commander; John Baranowski, Regent; and Richard J. Macon, FIC, Grand Regent. The museum is operated by the Veterans of Foreign War and houses an extensive collection of artifacts and memorabilia.

Gift to C.A.R.E.: The Companion Animal Award of Honor: Rescue and Education Foundation of Bayonne The Veterans of was gifted with a $500 donation from Bayonne Council #695 as part of the council’s Inter- Foreign War Joyce national Fraternal Service Project for 2015. Herbert Post in Bayonne Officers Joseph R. Macon, FICF, Steve Bayonne Durma, John Baranowski, and Richard Macon, acknowledged the FIC presented the contribution to Dorothy ongoing support and Roszkowski, program founder. service of Bayonne Council. An Award of Honor was presented to the officers and members at the council’s November meeting. Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 11

MEDORA COUNCIL MEMBERS ARE VOLUNTEERS

Celebrating Columbus:

Arcanians in Chicago are always happy to demonstrate the pride in their Italian heritage; most recently being represented at the 63rd Annual Columbus Day Parade, sponsored by the Joint Civic Committee of Italian Americans. Jo Ann Serpico, member of Medora Council #1648 served as Executive Director for the event. Festivities included a liturgy at the Shrine of Our Lady of Pompeii, a glorious parade along State Street and an ‘abonddanza’ post parade reception at Casa Italia; all in tribute to Italy’s most celebrated countryman, Christopher Columbus. Joining the journey on the Santa Maria were Past Supreme Council Executive Chairman, Bill Wire and his wife Florence.

Special Event for Comboni Missionaries:

Bill and Florence Wire served on the Annual Fall Dinner Dance Committee in support of the Comboni Missionaries who serve the poor and abandoned in more than forty countries. Living a simple life-style, they work tirelessly in remote regions of the world. The Comboni Lay Program, located in La Grange Park, Illinois, provides support to the missionaries as they continue the good works of their founder, St. Daniel Comboni.

A Thanksgiving Full of Soul:

Medora Council members JoAnn Serpico and Florence Wire are actively involved in the Italian American Women’s Organization. Their efforts for the club’s autumn fashion show benefitted the One Step at a Time Project Foundation and its camp for children who are afflicted with cancer and leukemia.

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PAWTUCKET COUNCIL CELEBRATES HALLOWEEN

On Sunday, October 25, designs that they had 2015, members from decorated the week Pawtucket Council #537 before to the senior made their annual pre- residents. Some of the Halloween visit to the Royal Arcanum Juniors Summit Commons look forward to seeing Nursing Home in the same people every Providence, year. Kaitlyn has Rhode had her picture Island. taken with They have Sophie for Jessica Kolek, Kaitlyn Lockaby and Sophie. been going four years in a to this row. Jessica nursing has had her home for the picture taken past 5 years. As usual, the with Tricia for the last two Junior members were all years. The Juniors are dressed up in their very good with the elderly colorful Halloween residents. They enjoy costumes. These young going there with the Arcanians distributed the pumpkins to make brightly painted pumpkins everyone smile and be with fancy faces and happy. Jessica Kolek and Tricia.

Front row: Judy, Judy Lynn and Jessica Kolek, Victoria and Nicholas Gauvin. Rear: Ken Kolek, Karen and Kaitlyn Lockaby, Lisa Kolek and Sandra Gauvin. Taking the photo is Jackie Wudkiewicz.

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‘A ROYAL GIFT’ OF HOLIDAY WISHES IN NEW JERSEY

Christmas Joy in the treatment for cancer and Garden State: Versatility other serious illnesses in and Bayonne Councils were hospitals in central and pleased to support the southern New Jersey. good works being done at Santa’s fraternal team Ronald McDonald Houses. included Gen Macon, Monetary donations were Evelyn Magarban, Marie delivered to facility staff Baranowski and Roy Al! members with the hope to make the season brighter for the families whose children are undergoing

Ronald McDonald House in New Brunswick: Ronald McDonald House in Long Branch: Royal Versatility’s Service Committee members Arcanians of Bayonne, with the assist of Roy Al, present present a holiday donation to Jeff Sheiner. Roy a holiday donation to Natalie Stewart, House Manager Al was happy to make the trip with the and Seena Kravet, volunteer. fraternalists.

Holiday Cheer across the Miles: In support of the ‘Royal Gift' campaign, members of Bayonne and Versatility Councils were a busy group shopping, wrapping, and packing gifts for charitable causes locally, in New Jersey, and across the miles to reach and New Mexico. Donations were made for special needs children, poor families, active military, the homeless and homebound, retired religious, and cloistered sisters. It was a great fraternal team effort. Santa’s workshop ‘elves’ were John Baranowski, Steve Durma, Gen Macon, Mary Ann Decha, Stanley Skowronski, Marie Baranowski, Evelyn Magarban, Ann Dworzanski, Stella Rakowski, Rick Dworzanski, Chris Piscitelli and Joseph Macon. Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 14

ALW SCHOLARSHIP

WHY I SHOULD RECEIVE THE ALW SCHOLARSHIP

The Association of Lithuanian Workers was an organization that I have actively been involved in for a number of years. The ALW (LDS) has now merged with the Royal Arcanum, and that has made our strength even stronger. Now I am almost all done with my college career (over 90 credit hours earned), I have had time to reflect back and truly admire the ALW and the Royal Arcanum. To start, there are a few reasons that I feel that I am deserving of this scholarship. The first main reason, is because I have been involved in the ALW and Royal Arcanum for over 12 years (which is half of my life). I have attended family trips, weekends, golf outings, baseball games, and yearly picnics with the ALW Robert Schlotta and Royal Arcanum. Not only am I an active member in the ALW and the Royal Arcanum, but I have an outstanding grade point average (3.7) at Northern Illinois University. Along with my GPA, and my involvement with the ALW and ROYAL ARCANUM the Royal Arcanum, I have successfully completed an internship with a FRATERNAL multibillion dollar corporation (Target) and also work part time to help pay my COLLEGE ASSISTANCE bills while I am still in school. I am self-funding myself through college. Along PROGRAM IS YOUR with that, I am on the Dean’s Student Advisory Board and the Management SOLUTION: Student Advisory Board. Everything that is previously stated, shows that I am a hard worker, and that I am self-reliant. These reasons also show why I am The Supreme Council deserving of the ALW scholarship. With this $1,000 Scholarship it will help pay of the Royal Arcanum for my books this year. I will be very appreciative of this scholarship. continues its proud tradition of helping Along with my accomplishments that show why I am deserving of this young adult members scholarship, I would like to share what the ALW and Royal Arcanum means to with their higher me. The ALW and Royal Arcanum are a great group of people that I can spend education. my weekends with and have a great time in a family setting. I have been involved in the ALW for over 12 years, and I can personally tell you that there Over the years Royal is not a better group of people that I would want to spend family time with. I Arcanum has awarded have done everything with the ALW and Royal Arcanum. I have participated in over $1 million dollars its once a month bowling league, yearly golf outings, baseball games and the in scholarship money! yearly picnic. Some of my fondest memories were created at the annual bowling tournaments. I have participated with my dad and we won first place Robert Schlotta is a doubles. Then we both came in first and second overall for the whole $1,000 scholarship tournament. That will always be a great memory and I will not forget it. winner and wrote a Overall, the ALW and Royal Arcanum have been a huge involvement in my life, terrific letter telling us and I am proud to be a member. I can’t wait to see what the future holds for why he deserved the the society. award. Submitted by Robert Schlotta

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RHODE ISLAND GRAND COUNCIL

The Grand Council program. Ken also encouraged held a fall luncheon meeting on those present to consider November 14, 2015 at the Hose attending the 103rd Supreme Company No. 6 Restaurant in Council Session which is being Pawtucket, RI. Grand Regent held from Sunday, July 24th Lynn Kolek opened the meeting through Thursday, July 28, 2016 in by welcoming everyone in Orlando, Florida. He assured attendance and thanked them for them that they would have an their generous donations to the enjoyable time at an affordable Pawtucket Soup Kitchen. Junior price. members then came forward to lead in the reciting of the Pledge At the conclusion of the meal, of Allegiance and the singing of Grand Regent Lynn Kolek Lynn Kolek asked the children to the American and Canadian addressing the meeting pass out tickets for door prizes. National Anthems. The The lucky winners received a set invocation was given by Brother of Royal Arcanum coasters or John Ball. Dunkin Donuts gift cards. All in attendance received promotional Past Grand Regent Judy Kolek items. spoke to the gathering about past and future events of the Grand In closing, Sister Lynn thanked all Council. for attending the meeting and wished everyone a happy holiday Supreme Secretary, Ken Kolek, season. Members and guests in attendance addressed the membership regarding the many benefits of Submitted by Judy Kolek being a member of Royal Arcanum and asked them to support Supreme Regent’s “A Royal Gift” WHO TURNED OUT THE LIGHTS? Light bulb jokes will never go away. Here’s a collection of some of the best: Two. One to hold the giraffe, and the other to How many psychiatrists does it take to change a fill the bathtub with brightly colored clocks. light bulb? Only one, but the bulb has to really want to change. How many lawyers does it take to change a light bulb? How many jugglers does it take to change a light How many can you afford? bulb? One, but you need at least three light bulbs. How many consultants does it take to change a light bulb? How many Surrealists does it take to change a light I will have an estimate for you a week from Monday. bulb?

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FRATERNAL DEPARTMENT NEWS

Dear Sisters and Brothers, involved and add some color to your council’s activity roster? Many of you are probably familiar with the Crayola Brand The members in your box of crayons; the recognizable yellow cartons have jurisdiction know best where provided countless hours of joy, fun, and creativity for they can make a positive generations, worldwide. Back in 1903 the company difference. At times the introduced its first box of 8 colored crayons and in 1993 winter months are cold and the deluxe caddy of 96 colors was produced. In 1996 the gloomy (much like the dark, 100 billionth crayon rolled off the production line in the midnight shades). Envision the Crayola Factory in Easton, PA. WOW! The crayon is still bright, neon colors and going strong with people of all ages enjoying the relaxing produce a burst of sunshine for hobby of coloring. Advertisements for coloring books a soup kitchen, senior care and coloring implements appear on television, in home, veterans’ program, newspapers and on placards, in a host of department humane society, children’s hospital, hospice, crisis shelter, stores. Sure there’s all kinds of fancy, trendy tools, or wherever a ray of hope is needed. You’ll be glad you including glitter markers, gel pens, oil pastels, and more, did and your good work will surely color someone’s day but most will agree that the with happiness, much like Sister said. original crayon is one of the Remember, smiling is contagious! greatest items ever made. Invite your family and friends to enroll as members so that they, too, can Remember deciding on what color share their special talents and engage to choose from that cardboard box in council programs. of Crayolas (The one with the built-in sharpener!) to work on We warmly welcome the fraternalists school projects or to design your of the Association of the Sons of Mother’s and Father’s Day cards? Poland who joined the Royal Arcanum You’d most likely glance over the through our recent society merger. In bounty of appealing tones that filled the container, a spirit of brotherhood and sisterhood, we look forward selecting the best shades for your masterpiece, while at to volunteering together for ongoing activities and for the same time noticing how all the colors seemed to developing new programs to promote fraternalism. blend together so nicely. Volunteers for the Fraternal Events Committee for our I recall one of the Sisters in grade school saying that summer gifting project at the Supreme Council Session in kindness colors the world with happiness. Our fraternal Orlando will be appreciated. These members will assist family in the Royal Arcanum is doing just that! Each in coordinating plans in their jurisdiction for our annual member’s different skills and talents make them unique, national project. Contact the Fraternal Director if you but when they gather together, combining abilities for wish to join the team. fraternal and charitable projects, they color the world with kindness, goodness and compassion. Such endeavors In closing, I hope that everyone stays safe, warm and are consistently being organized in the Supreme, Grand healthy. In a few weeks the vibrant colors of spring will and Subordinate Councils. Much like the largest box of debut with blue skies, green grass and pastel flowers Crayola Crayons, there are limitless possibilities for abounding. Look optimistically to the future. Be inspired producing awesome results. every day, confident that your deeds of kindness color the world with happiness! Let’s keep those crayons in For more than 138 years, members have continued to motion! embrace our fraternal mission of volunteerism and charitable support. The International Fraternal Service, In friendship, LJD Legacy of Hope, Fraternalism in Action and Lend a Hand-Lift a Heart programs are available throughout the year, offering opportunities for councils to share ‘A Royal Gift’ and color the world with hues of fraternal goodwill and fellowship. What better time than now to get Cindy Macon

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MONEY MATTERS

Avoid these mistakes Whatever the state of the stock market, with retirement funds stay clear of some common mistakes.

One or two mistakes in handling your retirement money could mean paying a stiff penalty as you grow older. Whatever the state of the stock market, stay clear of some common mistakes:

• Obsessing about market losses. Focus on your long-term needs, not the daily ups and downs of the Dow Jones Average. Catastrophic events and long- term health care needs can cause as much damage to your nest egg as a shaky stock market.

• Believing you can withdraw more than you • Forgetting about inflation and taxes. Your really can. If you rely on average annual returns on retirement savings may be a lot smaller than you your investments to determine just how much you think when you start factoring in the rate of inflation can withdraw, you could be drawing down your and the taxes you’ll have to pay when you start retirement fund faster than you should. Average drawing out of it. returns are seldom steady. A safe rule of thumb: Count on a 3 percent rate of withdrawal.

• Not saving in the last years before retirement. Just because you’ve got just a handful • Not planning for a long life. Despite the of years left before you retire doesn’t mean you dramatic rise in life expectancy in recent decades, should go ahead and buy that new Lexus. Some many people still underestimate how long they’ll live. people are able to build up substantial savings in their If you’re not thinking about longevity, you could tap last five years of work because they get serious out your savings much faster than you should. Look about saving and investing. at the figures and add in at least a few extra years as you make your plans.

Premiums for 20 Years... That’s it...No More....

With “20 Pay Life”, you stop paying in 20 Years. Twenty Payment Life also has a living benefit. The cash value that you build up can be used for emergencies, college for the kids, to pay bills or retirement....either way the choice will be yours! 17 Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 18

Saving for Income in Retirement Current Members Get 3.5% First Year Rate* Non Members Get 3% First Year Rate*

6-Year Declining Tax-Deferred Until 10% Penalty Free Surrender Charge Withdrawal Annual Withdrawal Available**

$500 No Service Minimum Charges Deposit

For complete information on annuities, please contact the Home Office at 1-888-ARCANUM (272-2686). Discover the value of a member-based fraternal benefit society. *Rate subject to change without notice. Canadian rates may differ from US rates. We will never go lower than 2%. **Please contact a tax professional prior to taking any withdrawals for potential tax liabilities. Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 19

ROYAL ARCANUM’S NEWEST EAGLE SCOUT

The Scouts, Leaders and Committee Members of Boy Scout Troop 519, Woburn take great pleasure in announcing that having completed the requirements for, and having been examined by an Eagle Scout Board of Review, Shane Fitzgerald was found worthy of the rank of Eagle Scout.

Shane, a member of Alpha Agassiz Council, has been part of both Pack 519 and Troop 519 since second grade and has made his family and Troop very proud. For his Eagle Scout Leadership Service Project, Shane chose to work with our chartered organization, the Lutheran Church of the Redeemer, to replace the aging staircase to its Outdoor Eagle Scout Shane Fitzgerald sits on the completed steps of his project. Chapel. With approval from the church property committee and with the help of adult volunteers and his fellow Scouts, he added handrails and solar-powered lighting for increased safety, vastly improving accessibility to this outdoor place of worship.

Many thanks go to Royal Arcanum and Alpha-Agassiz Council for donating $500 toward the successful completion of this worthy project. In addition, member Don Ferry Jr. joined Shane’s team and helped with the construction during an extremely hot summer.

Submitted by Patrick Fitzgerald A before and after photo of the project site

Nick Benoit: “Royal Arcanum walks, there's some of the different provides protection for your family, but food drives that we have, whether it's the main difference with Royal providing gifts to families, to children in Arcanum is that premium that you pay hospitals.” for your policy protects your family, but at the same time helps others.” Moderator: “That's great.”

Nick Benoit, our Director Moderator: “How does that work?” Nick Benoit: "That's something that of Operations, was recently we really strive to have on a daily interviewed on the Nick Benoit: “Well, we have a lot of basis." Balancing Act about our college scholarships. We have fraternal great Fraternity. See an charitable endeavors. There's cancer excerpt of the show. Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 20

NOMINATIONS AND ELECTIONS OF OFFICERS

Section 19 (1), 20, and 21 of the Constitution

The offices, including the committees, shall remain the same.

By July 15 of the year of the Supreme Council Session, the Chairperson of the Supreme Council Executive Committee shall appoint a Committee on Nominations consisting of four Supreme Council Session members (current or past), representing the diversity of our Order, plus the Supreme Regent, who will serve as chairperson for the purpose of developing a slate of officers for the ensuing Supreme Council Session. It is suggested that an announcement of this appointed committee and the nominations procedure be included in the “CALL” to the Session and in the Spring Edition of the Bulletin.

At the REGISTRATION DESK on OPENING DAY of the Supreme Council Session a list of the Nominations will be distributed to the representatives. It is recommended that a brief bio of not more than 75 words for each nominee be included.

On THE SECOND DAY of the Supreme Council Session additional nominations may be made from the floor. All those being nominated shall have been contacted by the member making the nomination in order to insure that those being nominated are willing to have their names on the slate. A bio on each nominee of not more than 75 words would be helpful. (A resolution will be presented at the beginning calling for nominations on the second day).

On THE THIRD DAY of the Supreme Council Session, printed ballots including the names of all nominees shall be distributed. In the case of the Line Officers and the Executive Committee, there must be individual ballots (unless the Constitution is changed), but the other committees may be elected on one ballot. Additional nominations will not be entertained at this time. Delegates will cast their votes, which will be counted by the two appointed tellers and the Judge of Elections, who will count the votes. (A resolution will be presented at the beginning to nominate and elect all Committeepersons and Trustees, collectively unless there is a contested election. In the case of the two Finance Committee Members, Supreme Trustees, Committee on Juniors and Committee on Appeals, if there are more than four nominees, the four receiving the highest vote will be declared winners).

THE NOMINEE with the majority of votes based on our established ratio between delegates and officers, shall win the election to his or her respective office. In the case of the committees, the required members for each committee with the highest number of votes shall be elected (the four Supreme Trustees, the three members of the Committee on Laws, the two additional members of the Finance Committee, the four members of the Committee on Juniors, and the four members of the Committee on Appeals).

Send bios to Chairman James O’Neill, 6196 Kaski Court, San Jose, CA 95123 or email to: [email protected]. Bios should in the Chairman’s hands by June 1, 2016.

Premiums never increase and Death Benefit never decreases

PROGRAM BENEFITS SIMPLIFIED APPLICATION * No increase of premium * Full underwriting not required * No decrease of death benefit * Full face amount payable in first year * No medical exam * Subject to contestable period in first * Cash accumulation values 2 years Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:11 PM Page 21

DIRECTOR OF OPERATIONS CORNER

There has been much activity in and around the goal remains to continue home office as we entered 2016. I was featured on increasing our membership the Lifetime Network morning show, “The Balancing and the fraternal-charitable Act” that aired on January 18th and January 25th at activities that are conducted 7:30 A.M. EST. The broadcast is also available on the throughout the year. Lifetime Website, Facebook Page as well as on the Royal Arcanum Website and Facebook page. There is Our Royal Arcanum website, an additional interview on the Lifetime Show, “Behind www.royalarcanum.com is a the Brand” that’s seen on Lifetime social media great resource to review our outlets, along with Royal Arcanum’s. It is the hope insurance products, member that this national audience reach will gain some benefits, our history and publicity for Royal Arcanum and get our name out to much, much more. Please the national audience, informing people about our also consider reviewing our Facebook page and “Like Society. Marketing and advertising is such a costly Us” if you’re on Facebook! endeavor. The feature on Lifetime was an It’s time to start planning for the Supreme Session in opportunity to reach out to a national audience Orlando, July 24th through July 28th. I hope to see without having to pay $500,000+ for advertising you at the Caribe Royale Resort! through commercials, etc.

The merger with the Association of the Sons of “Our greatest weakness lies in giving up. The most Poland was approved by the Massachusetts and New certain way to succeed is always to try just one more Jersey Departments of Insurance and we are now in time.” the process of transition of functions to Boston. All administrative functions, as a result of the merger, Thomas A. Edison will be handled in Boston. Members who have any questions regarding former ASOP insurance protection should contact the Boston Home Office Sincerely, at 1-888-272-2686. It’s an exciting time as we increase our membership with many great fraternalists and I look forward to welcoming them as members of the Royal Arcanum. 2015 was a solid year for our Insurance Sales; new Nicholas G. Benoit relationships emerged with distribution partners Director of Operations who are expected to increase sales in 2016 by [email protected] diversifying where our membership is located. Our

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HAUT ST. JEAN COUNCIL

Young Scholars Welcomed:

Haut St. Jean Council in met in St. Agathe, and invited recipients of the Association Canado Education Awards to participate. Sophie Ouellette and Cody Theriault (center) spoke about their studies and future ambitions. They were introduced by Council Officers, J. Bertrand Michaud (left) and Daniel Lapointe (right).

CLAREMONT COUNCIL JUNIOR CHRISTMAS PARTY

Claremont Council hosted its annual Junior Christmas party on December 6th at Juliano's Caterers, New Rochelle, NY. Over 63 adults and junior members were in attendance. After lunch, the children received their Christmas gifts from Santa. A clown provided entertainment with face painting, balloon animals and games. Many thanks to our Grand Regent, Maria Bettina DiBartolo for hosting a great party.

YORKTOWNE COUNCIL JUNIOR CHRISTMAS PARTY

On December 5, 2015, the Entertainers was a visit by Yorktowne Council members the man himself, Santa Claus. gathered for an afternoon of Santa arrived and presented fellowship and enjoyed a very each of the children with nice luncheon prepared by their bag of gifts. Thanks to the Church and Society at the the Supreme Council and to Fellowship Hall in Mt. Zion, Santa's elves in the council for York, PA. There were 20 all their hard work. adults and 13 Juniors in attendance. Everyone enjoyed the nice weather, good time, and When the luncheon was fellowship shared with our over, the group was treated Arcanian Family. to a show by the Puppet Entertainers, the Yada Submitted by Ministries Group. Following Herb Chronister

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SAN JOSE CHRISTMAS HOLIDAYS

San Jose Council members gathered for their annual delivered holiday cheer to Lucille Packard’s Christmas Party at Viva’s Restaurant in Los Gatos. Children’s Hospital. Santa (John Howell) and the Everyone enjoyed the good food, games, music and members brought gifts and toys to very appreciative were glad to participate. The members also youngsters.

San Jose members enjoying the party.

Some of the excited Juniors with Santa Claus. Santa arriving (John Howell). SAN JOSE VISITS RONALD MCDONALD HOUSE

Mrs. Santa Claus (Grace Howell) and Mr. Santa Claus (John Howell) delivering Christmas Gifts and Cheer to "The Ronald McDonald House" in Palo Alto, .

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CHRISTMAS IN : CORONATION COUNCIL

Juniors receiving their RA Christmas gifts. AN ONTARIO CHRISTMAS

Mason and Bryson (Morgan Young’s great-grandchildren) in the Kathy's 2 grandchildren, Reese and Christmas Spirit. Claire with their monkeys. 24 Bulletin - Winter Edition - 2016 www. royalarcanum. com Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:22 PM Page 25

ILLINOIS GRAND COUNCIL CHRISTMAS PARTY

On December 5, 2015 the Grand The guests enjoyed an all you can eat Council of Illinois held its annual pizza and salad luncheon while waiting Junior Christmas Party, held at for Santa to arrive. Riggio’s Restaurant in Niles, Illinois. Santa Claus brought wonderful gifts Deputy Supreme Regent David for all of the children. The smiles on Covelli made the arrangements for the children’s faces proved that this the very popular yearly pizza was a most enjoyable event. Lisa luncheon. Crawford and Junior Joshua Crawford assisted Santa handing out the gifts. Over forty parents and children attended the pizza party, including Fort Dearborn member Mickey several new members to the Royal Rhode worked very hard selecting the Arcanum. gifts for Santa to present. She did a wonderful job helping to make this a Christmas party for Members were happy to welcome Grand Regent Gregory all to remember. Hahn and his wife Donna, Supreme Regent Carl Krzystofczyk and his wife Christine and Past Supreme Submitted by Nicole Covelli Regent Bill Wire and his wife Florence. HARRISBURG COUNCIL CHRISTMAS PARTY

Treasurer Mary Karl and her husband, Jim, along Clint Timmons and his daughter, Denise Peirce enjoyed with Mary’s parents. being together.

RELEASE FORM FOR MINORS UNDER AGE 13

In order to use the likeness (image, voice, name associated with council) of a minor under the age of 13 in any Royal Arcanum publication/Social Media and or video, Royal Arcanum requires their parent or legal guardian to complete and sign the "Release form for minors under age 13" located on our website at: http://royalarcanum.com/forms/release.form.Minors.pdf.

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JUNIOR DEPARTMENT NEWS AND VIEWS

If you are a Junior belonging to a jurisdiction that held a Education and access to private special activity and received Christmas gifts from the lenders. If you should have any Royal Arcanum Home Office, then I hope you enjoyed the questions regarding any of the Monkeys, Wood Puzzle of the World, and Neon Lighted above benefits, contact our Ear Buds. College Funding Representative, Donald Ferry Jr. at the Home Valentine cards were sent to our younger Juniors in Office, toll free 1-888-272-2686 February. ext. # 125. Donald looks forward to assisting you towards attaining If you are a Royal Arcanum College Student and haven’t your goals in college and beyond. sent in your name and the address where you will be living, this is your last call to do so. Call Dotti at the Come with your parents to our Junior Director Home Office and give her that information today so we 103rd Supreme Council Session in Deborah Young can send out a little something special to help you with Orlando, Florida this coming July your studies. for a fun family vacation. We will have lots of fun activities planned I hope all our High School and there will be no extra costs Seniors have applied for our for Juniors attending with their Royal Arcanum Scholarships and parents. Grants. Last year alone we awarded $68,750.00 in I would love to hear from our Scholarships and Grants and Juniors regarding whether or not would like to do the same this they like receiving the Amazon year, so good luck to all who Cards and of course any new applied. ideas of things you would like to communicate. My email address We are offering reimbursement at which you can contact me is of up to $50.00 to any Junior [email protected]. taking a workshop, course or tutoring to assist them with This is your second last reminder improving their SAT, ACT, PSAT to get those junior policies and LSAT. The receipts should signed up in order to take be sent to the Royal Arcanum advantage of the 15/15/15 home office to the attention of program and receive $1,500.00 Dotti Pagnani. Royal Arcanum is for your council activities. very committed to helping with our Junior’s education. And lastly,

You also have access to two “Your time is limited, so don’t waste premier sites for college it living someone else’s life. Don’t assistance shown on our website and are FREE to all be trapped by dogma – which is living with the results of other qualified members. These services are Choices Explorer people’s thinking. Don’t let the noise of others’ opinions drown and Choices Planner. Choices Explorer deals primarily for out your own inner voice. And most important, have the middle school students preparing for High School and courage to follow your heart and intuition.” Choices Planner is for all students. To enter these sites you need the Site ID which is “0090138” and the Steve Jobs Password which is “sunshine”. Here you will find information on Colleges, Majors, Careers, Scholarships and Career aptitude. The knowledge provided should assist you in making sound decisions about your future. There are also links on our website to the Department of

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SAINT PATRICK’S DAY WORD SEARCH Word List F F D P G D C B K W S H A M R O C K A N T O H A V F O X I C P J E Z B U R T O D GREEN M Q U P P Q G X R C M A R C H G D L J L FOUR-LEAF CLOVER F G H R U P D S E A R X U D V C R N O E K Z R F - O E F L T O X I V M F H W B P MARCH W I M E K L F V A F N X N K R C L X N R DANCE N A Q Q E K E K N N V J Y A M Z I U S E LUCKY R O U F J N O A D N M Z K O T W W N T C RAINBOW D A N C E H Y K F J U U H B B L N B P H JIG G M I G I R H F Y C A V J H N U A G A A D O T N E D W M P W L G S G L X E V T U SHAMROCK L Z Q I B S M U Q C M O H T L U B E R N IRELAND N B D R N O W R L F U I V C X K I L I O LEPRECHAUN Z M V B V J W R P D S I Y E T Z C Q C Y ORANGE G A E E W J I T N Q I P I C R F R C K S R G I S Z V N M P G C W M Z W A D J S F GOODLUCK S I X K J S P F O U H G M S X U G J D W MAGIC G C V O R A N G E V B M G Y Q J T I A Y MUSIC X X Z O K N L E N M L U C K Y I Z G Y C STPATRICKSDAY F V A I G O O D L U C K G C X M G H X X

PLEASE CHECK OUR WEBSITE FOR ADDITIONAL PUBLISHED ON OUR WEBSITE, GAMES AND COLORING. IF YOU HAVE ANY PLEASE EMAIL THEM TO: RIDDLES, GAMES, OR ARTICLES YOU WOULD LIKE [email protected]

JUNIOR CONTEST RULES Junior Must Submit: All Junior entrants can Our rules provide that a earn a $10.00 gift Name Junior can win only one prize certificate award for ______Amazon.com! per issue of the Bulletin. Age Members from the same ______family can submit answers to same puzzles in order to win. Council Puzzle entrants are restricted ______to Juniors no older than 17 Email Address years 11 months. All entries must be received prior to ______distribution of the next PLEASE SEND ALL ANSWERS TO: Bulletin. JUNIOR DEPARTMENT, ROYAL ARCANUM, 61 BATTERYMARCH ST., BOSTON, MA 02110-3208 www. royalarcanum. com - Bulletin - Winter Edition - 2016 27 Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:12 PM Page 28

Name:WINTER WORD SCRAMBLE Winter Word Scramble Please unscramble the words below

1. OWFALSEKN

2. SEDL

3. YRUFLR

4. BZAIRLDZ

5. CCIELI

6. NSOEWOHS

7. TNEMTSI

8. RSCAF

9. IKSS

10. OPSSLE

11. NJYUAAR

12. REYFARUB

13. DLOC

14. INERZFGE

15. STKGAIN

28 Bulletin - Winter Edition - 2016 www. royalarcanum. com Bulletin-Winter-2016-5AMY.qxp_Winter 2016 2/3/16 8:12 PM Page 29

JUNIOR WINTER COLORING

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A WORD FROM THE SUPREME SECRETARY

This year we are proud to with the times to be competitive. celebrate Royal Arcanum’s 139th To emphasize his point, he gave anniversary as a Fraternal Benefit examples of how companies Society. That’s a lot of candles! transformed in order to stay in Founded in 1877, there are over business. 23,000 members in our organization throughout the One idea that I liked was to sell United States and Canada. We insurance where the customers are anticipate the future and strive to located. To accomplish this, continue protecting our members Mr. Kerzner mentioned that some with affordable life insurance and insurance companies were in the competitive annuities. The process of setting up Kiosks in founding values of Virtue, Mercy malls and near hospital maternity and Charity are woven into our wards. We know that people fabric and we keep them relevant usually think of buying life insurance in the ever-changing times. when there is a change in life status. Examples are: getting married, having a baby or buying a home. Today’s young To grow, we must be prepared to change with the times. people have grown up watching videos and playing video When I started working full time for Royal Arcanum in games, so having Kiosks set up in good locations can 1998, our employees had no internet connection and educate people by showing videos about life insurance. In almost all correspondence was done through the mail or many cases, insurance will be bought on line or a by phone. We had no website customer will be directed to an and our computer system was in insurance agent to assist with its infancy. When researching the purchase. policy information, most was done by microfiche files. We Another innovative method that have changed with the times, companies use to entice keeping up with the latest consumers to buy their technology for efficient business products is to offer additional and fraternal operations. Even products and services if they the manner of paying premiums register or buy something from changed over the years. Today they can be made to the them. In fact, Royal Arcanum is thinking along these same Home Office by check, check-o-matic (through bank lines, as we are now offering “My Discounts through accounts) and by credit cards. Perkspot” by signing up at royalarcanum.perkspot.com. This service provides discounts on travel, computers, Things are changing all around us. I read in the Wall movies, cell phones, food and other things. Street Journal that Apple Inc. is in discussions with US banks to develop a payment service that would let users We are looking forward to seeing you at this year’s zap money to one another from their phones rather than Supreme Council Session in Orlando, Florida from Sunday, relying on cash or checks. Some Americans are already July 24th to Thursday, July 28th. Arrangements can be using such services to split dinner checks and share other made for you to stay longer if desired. I’m confident you bills. This program will be different from Apple pay which will have an enjoyable time. ties in with credit cards. Fraternally, I watched a video presentation by Robert A. Kerzner, President and CEO of LIMRA (Life Insurance Management Research Association) from their Annual Conference in Boston in October 2015. His topic was “Disrupt: Sparking Kenneth J. Kolek Business Transformation with Innovation”. His view was Supreme Secretary that insurance companies should be innovative and change

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COME JOIN US FOR THE 103rd Supreme Council Session

in Orlando, Florida

at the Caribe Royale

Sunday, July 24th through Thursday, July 28, 2016

Photos Courtesy of Caribe Royale